Part of a SMART investing strategy is investing in tax-deferred accounts. Below are the updated contribution limits for your retirement accounts for 2015. Make sure to take advantage of the tax benefits! Click here for more tax information, strategies, and benefits. Type of Account 2016 2015 Traditional or Roth IRA $5,500 $5,500 Roth IRA – Phased […]

There is over $16 trillion invested in mutual funds. Mutual funds are an excellent way to invest and grow your wealth, however there is a great disparity in their fees. Studies show these fees are the greatest indicator of mutual fund performance. You may be even more surprised to learn that most financial advisors, professionals, […]

The number one financial goal most people have is to build (and spend!) their retirement account. If you wanted to retire with $1 million in the bank by age 65, do you know how much you need to have saved? This chart below shows how much you need to have already saved by a certain age, assuming a […]

Benjamin Franklin once said “Certainty? In this world nothing is certain but death and taxes.” Life is full of risks. It is one thing that is certain in life. Although one cannot control death, one can control how to protect loved ones through life insurance. Here are some insurance basics to help you navigate through the maze! […]

Not many enjoy having a large mortgage looming over their heads and racking up interest for up to 30 years. As a result many with extra cash look to pay off their mortgage as soon as possible. However paying your mortgage off early may not always be the best decision. There are two types of debt, […]

The performance of the S&P500 was relatively flat this year, however there was enough drama behind the scenes to provide some valuable lessons for us all. Here are three stock market lessons that can come in handy as we look at the market for 2016! Click here for more tips on SMART Investing and what you can […]

The average American employee switches jobs 11 times before retiring. This means many have old 401(k) or work retirement plans that may not be invested properly. Because for most people their 401(k) is their only work retirement account, it is important to maximize their 401(k) accounts. Every time you change jobs, you have four options […]

Recently the famous rapper 50 Cent, whose birth name is Curtis Jackson III, filed for bankruptcy. After a few years of being shot 9 times at point blank range, he became the number one rapper in the world. He has sold over 21 million copies of his albums and on top of that, became part of […]

According to recent data, 61% of Americans don’t keep track of their money. Even for those that do, many feel overwhelmed. I have designed for anyone who wants to improve how they manage their money, the 14-Day SMART Plan to Improve Your Finances! This simple self-improvement plan features one task to focus on per day. Based on […]

When I ask people what they are investing for, I often get answers such as “growth” “high returns” or “to make money.” I rarely hear the right answer, which is: Income! During the 2008 financial crisis there were many people that had quite a bit of assets (namely in real estate) but couldn’t pay their […]

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About David S. Chang

David is an award-winning entrepreneur, wealth manager, and CEO of Chang Holding Company. He has been featured in Forbes Magazine and was InvestmentNews' top young advisers and associated professionals in the financial planning industry! He is a West Point graduate and his mission in life is to fulfill needs, solve problems, and live passionately! Read More…